CN108416665A - Data interactive method, device, computer equipment and storage medium - Google Patents

Abstract

This application involves a kind of data interactive method, system, computer equipment and storage mediums.The method includes：Loan application data are extracted in multiple source servers；Loan application data include source server mark；Determine that the guarantee side being adapted with loan application data identifies according to preset rules；Corresponding loan task is generated respectively using the multigroup loan application data extracted；Loan task has corresponding task identification；Invocation target interface generates using task identification and corresponding source server mark and calls record, and multiple loan tasks, which are respectively sent to corresponding guarantee side, using target interface identifies corresponding destination server；When receiving the guarantee result that destination server returns, guarantee result carries task identification；Inquiry source server corresponding with task identification in guarantee result identifies in multiple calling record of storage, and guarantee result is sent to corresponding source server.Data interaction cost can be reduced using this method.

Description

Data interactive method, device, computer equipment and storage medium

Technical field

This application involves field of computer technology, more particularly to a kind of data interactive method, device, computer equipment and Storage medium.

Background technology

With the development of internet finance, P2P network loans (hereinafter referred to as " net is borrowed ") are convenient by its formality, information is saturating Bright equal attributes, it is more and more well known.The Main Patterns that net is borrowed are that debtor borrows platform with investor both sides in net Freely bid, order matching.Investor obtains interest income and simultaneously accepts the risk, and debtor expires Replacement of principal, provide net borrow it is flat The finance company of platform collects intermediary sevices expense.The guarantee mode that net borrows platform includes third party guarantees.Third party guarantees refers to working as When debtor fails to carry out the debt born to investor, undertaken in accordance with the law to corresponding investor by third party (hereinafter referred to as " guarantee side ") Compensatory responsibility.

Traditional net based on third party guarantees pattern borrows platform and only supports single guarantee function, and in other words, a net is borrowed Platform can only be assured by the uniquely side of guarantee.If guarantee side wishes that borrow platform by multiple nets provides load for more debtors It protects, then the corresponding destination server in the side of guarantee needs to borrow the corresponding Platform Server of platform from different nets and same net borrows platform pair The different platform server answered carries out data interaction respectively so that there are stronger couplings between destination server and Platform Server Conjunction property.Destination server needs to realize the complicated interaction logic between Platform Server by programming so that data interaction at This raising.

Invention content

Based on this, it is necessary in view of the above technical problems, provide a kind of data interaction that can reduce data interaction cost Method, apparatus, computer equipment and storage medium.

A kind of data interactive method, the method includes：Loan application data are extracted in multiple source servers；The loan Request for data includes source server mark；Determine that the guarantee side being adapted with the loan application data is marked according to preset rules Know；Corresponding loan task is generated respectively using the multigroup loan application data extracted；The loan task have pair The task identification answered；Invocation target interface is generated using the task identification and corresponding source server mark and calls record, profit Multiple loan tasks are respectively sent to corresponding guarantee side with the target interface and identify corresponding destination server；When connecing When receiving the guarantee result that the destination server returns, the guarantee result carries task identification；In multiple calling of storage Source server mark corresponding with task identification in the guarantee result is inquired in record, and the guarantee result is sent to phase Answer source server.

The guarantee side being adapted with the loan application data is being determined according to preset rules in one of the embodiments, Before the step of mark, further include：Calculate the corresponding data volume of multigroup loan application data；To other clothes in affiliated cluster The load of business device is monitored；Preset load balancing file is obtained, multiple services in cluster are determined according to load balancing file Device is able to the total amount of data of the loan application data of processing；Multigroup loan application data are divided into according to the total amount of data More parts, every part of loan application data are distributed to respective server in cluster.

The loan application data further include loan mark and application amount in one of the embodiments,；It is described according to Preset rules determine that the step of guarantee side being adapted with the loan application data identifies includes：Obtain the loan mark pair The message queue answered；The message queue includes multiple guarantee side's marks and corresponding Guarantee Status；The Guarantee Status includes It has assured and has not assured；The message queue got is traversed according to default traversal direction, screens first Guarantee Status For the guarantee side's mark that do not assure；The corresponding remaining guarantee amount of guarantee side's mark that calculating sifting goes out；Compare the remaining load Whether insured amount degree is greater than or equal to the application amount；If so, the guarantee side filtered out mark is labeled as the loan application The adaptable guarantee side's mark of data, the Guarantee Status that the guarantee side filtered out identifies is changed to assure；Otherwise, under screening One declaration form state is the guarantee side's mark that do not assure, returns to the corresponding remaining guarantee of guarantee side's mark that the calculating sifting goes out The step of amount, until determining the adaptable guarantee side's mark of the loan application data.

Multiple guarantee side's marks have different guarantee ratios in the message queue in one of the embodiments,；It obtains The step of taking the loan mark corresponding message queue include：It is identified according to the loan, detects whether that there are corresponding Message queue；When there is no corresponding message queue, the corresponding multiple guarantee side's marks of the loan mark are obtained；According to obtaining The guarantee ratio that the multiple guarantee sides taken identify determines the guarantee sequence that multiple guarantee sides identify；Preset queue length is obtained, According to the guarantee ratio that the queue length and multiple guarantee sides identify, the guarantee number that multiple guarantee sides identify is determined；According to The guarantee sequence and guarantee number generate corresponding message queue using multiple guarantee sides mark.

Multiple loan tasks are respectively sent to using the target interface described in one of the embodiments, Before the step of corresponding guarantee side identifies corresponding destination server, further include：It is newly-increased to receive the guarantee side that configurating terminal is sent Request；According to the newly-increased request in the guarantee side, the configuration page is returned to the configurating terminal, the configurating terminal is made to obtain in institute State the configuration information of configuration page typing；The configuration information that the configurating terminal returns is received, according to the configuration information and institute It states the corresponding destination server of guarantee side's mark and establishes communication link.

Multiple loan tasks are respectively sent to corresponding guarantee side using the target interface in one of the embodiments, The step of identifying corresponding destination server include：Corresponding loan task is identified to identical guarantee side to be packaged, and is obtained more A task data packet；Multiple target interfaces are called, are sent to multiple tasks packet synchronisation accordingly using multiple target interfaces Guarantee side identifies corresponding destination server；The forwarding daily record that transmission process generates is obtained, is according to forwarding daily record detection It is no to there is forwarding exception；The abnormal loan task of forwarding will occur and be added to buffer queue；It has been sent in corresponding task data packet Bi Shi retransmits task of providing a loan in the buffer queue.

Inquiry and task identification in the guarantee result in multiple calling of storage record in one of the embodiments, Before the step of corresponding source server mark, further include：When the guarantee result is refusal guarantee, disappear again to described Breath queue is traversed, and detects whether that there are other the guarantee sides being adapted with the loan application data identifies；If being not present, It is the corresponding remaining guarantee of guarantee side's mark that do not assure according to Guarantee Status in the application amount and the message queue Amount splits the loan application data, obtains the more parts of subitem request for data with different application amounts；Again right The message queue is traversed, and screening is identified with the guarantee side that the subitem request for data is adapted, by multiple subitems Request for data is respectively sent to corresponding guarantee side and identifies corresponding destination server, returns and receives what the destination server returned The step of assuring result.

A kind of data interaction device, described device include：Data acquisition module is provided a loan for being extracted in multiple source servers Request for data；The loan application data include source server mark；Guarantee side's determining module, for being determined according to preset rules It is identified with the guarantee side that the loan application data are adapted；Data forwarding module, for utilizing the multigroup loan extracted Money request for data generates corresponding loan task respectively；The loan task has corresponding task identification；Invocation target interface, It generates using the task identification and corresponding source server mark and calls record, using the target interface by multiple loans Money task is respectively sent to corresponding guarantee side and identifies corresponding destination server；Result feedback module is assured, for when reception institute When stating the guarantee result of destination server return, the guarantee result carries task identification；It is recorded in multiple calling of storage Middle inquiry source server mark corresponding with task identification in the guarantee result, respective sources are sent to by the guarantee result Server.

A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing Device realizes following steps when executing the computer program：It is adapted with the loan application data according to preset rules determination Guarantee side identifies；Corresponding loan task is generated respectively using the multigroup loan application data extracted；The loan is appointed Business has corresponding task identification；Invocation target interface is generated and is adjusted using the task identification and corresponding source server mark With record, multiple loan tasks are respectively sent to corresponding guarantee side using the target interface and identify corresponding target clothes Business device；When receiving the guarantee result that the destination server returns, the guarantee result carries task identification；In storage Inquiry source server mark corresponding with task identification in the guarantee result in multiple calling records, by the guarantee result It is sent to corresponding source server.

A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor Following steps are realized when row：Determine that the guarantee side being adapted with the loan application data identifies according to preset rules；Using carrying The multigroup loan application data got generate corresponding loan task respectively；The loan task has corresponding task mark Know；Invocation target interface generates using the task identification and corresponding source server mark and calls record, utilizes the target Multiple loan tasks are respectively sent to corresponding guarantee side and identify corresponding destination server by interface；When the reception target When the guarantee result that server returns, the guarantee result carries task identification；It is inquired in multiple calling record of storage Source server mark corresponding with task identification in the guarantee result, respective sources service is sent to by the guarantee result Device.

Above-mentioned data interactive method, device, computer equipment and storage medium, user can directly by user terminal to Source server sends loan application data；It can determine that the guarantee side being adapted with loan application data is marked according to preset rules Know；The corresponding calling record of each loan task can be generated by invocation target interface；It can will be multigroup using target interface The corresponding loan task of loan application data is sent to corresponding guarantee side and identifies corresponding destination server；When receiving When the guarantee result that destination server returns, multiple calling that can be according to the task identification that guarantee result carries in storage record The corresponding source server mark of middle inquiry task identification, and then guarantee result can be sent to corresponding source server.Due to Corresponding guarantee side's mark is identified by loan application data, and the identification to target interface corresponding with service side may be implemented；According to It calls record to determine the corresponding source server mark of guarantee result, the identification for corresponding to called side to target interface may be implemented, from And being accurately forwarded for data may be implemented using target interface.Multiple destination servers only need to carry out data with single server Interaction needs to carry out data interaction respectively with multiple Platform Servers compared to traditional destination server, can reduce target clothes The coupling being engaged between device and Platform Server, interaction logic is simple, can reduce the volume that destination server carries out data interaction Cheng Chengben, to reduce data interaction cost.

Description of the drawings

Fig. 1 is the application scenario diagram of data interactive method in one embodiment；

Fig. 2 is the flow diagram of data interactive method in one embodiment；

Fig. 2A is the application framework figure of data interactive method in one embodiment；

Fig. 3 is the structure diagram of data interaction device in one embodiment；

Fig. 4 is the internal structure chart of one embodiment Computer equipment.

Specific implementation mode

It is with reference to the accompanying drawings and embodiments, right in order to make the object, technical solution and advantage of the application be more clearly understood The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not For limiting the application.

Data interactive method provided by the present application can be applied in application environment as shown in Figure 1.Wherein, user is whole End 102 is communicated by network with Platform Server 104；Platform Server 104 is carried out by network and destination server 106 Communication.Platform Server 104 includes source server (hereinafter referred to as " first server ") 1042 and second server 1044.Wherein, User terminal 102 can be, but not limited to be various personal computers, laptop, smart mobile phone, tablet computer and portable Wearable device.First server 1042, second server 1044 can use independent server respectively with destination server 106 The either server cluster of multiple servers composition is realized.User terminal 102 can be the corresponding terminal of debtor, also may be used To be the corresponding terminal of loan front-end business personnel, borrowed to which user can borrow platform application based on the net on user terminal 102 Money can also be provided a loan by the channel application of cabinet face.It can be the APP that can carry out loan transaction that net, which borrows platform, (Application, at least one of application program, website or small routine.Difference loan channel corresponds to different first services Device 1042.First server 1042 is used to receive loan application data of the user terminal 102 by channel transmission of accordingly providing a loan, the Two servers 1044 are for handling more loan application data.Destination server 106 is the corresponding server in guarantee side. Platform Server 104 can access multiple destination servers 106 by configuring.

When user borrows platform application loan based on the net on user terminal 102, user terminal 102 obtains user's typing Loan application data are sent to corresponding first server 1042 by loan application data.First server 1042 receives default Loan application data in duration are simultaneously stored.Loan application data include source server mark.Second server 1044 is pressed Multigroup loan application data are extracted respectively in multiple first servers 1042 according to preset time frequency.Second server 1044 is to every Group loan application data carry out credit verification respectively, and determine every group of loan application data pair that verification passes through according to preset rules The guarantee side's mark answered.Second server 1044 generates the corresponding loan task of every group of loan application data.Loan task With corresponding task identification.1044 invocation target interface of second server utilizes task identification and corresponding source server mark Know and generate the corresponding calling record of each loan task, is respectively sent to accordingly assure by multiple loan tasks using target interface Side identifies corresponding destination server 106.Destination server 106 judges whether to assure according to loan application data.When connecing When receiving the guarantee result of the return of destination server 106, the task identification that second server 1044 is carried according to guarantee result will Guarantee result is matched with multiple calling of storage record, the source server mark that the calling record according to successful match includes Know, guarantee result is back to corresponding first server 1042.First server 1042 will assure that result is back to relative users Terminal 102.Above-mentioned loan data processing procedure determines that adaptable guarantee side identifies according to presetting message queue automatic screening, Loan application efficiency can be improved；Multiple destination servers only need to carry out data interaction with second server, can reduce mesh The coupling between server and Platform Server is marked, interaction logic is simple, can reduce destination server and carry out data interaction Programming cost or hardware cost.

In one embodiment, as shown in Fig. 2, providing a kind of data interactive method, it is applied in Fig. 1 in this way It illustrates, includes the following steps for Platform Server：

Step 202, loan application data are extracted in multiple source servers；Loan application data include source server mark.

The use of different geographic regions can be provided a loan per family by a variety of loan channel applications such as APP, website or cabinet face.Such as figure Shown in 2A, in order to improve loan application efficiency, first server can be respectively set in different geographic regions, it is in other words, different Geographic area corresponds to different data processing backstages.After same geographical area difference loan channel corresponds to different data processings Platform, i.e. first server.

When user needs to apply loan, user terminal typing loan application data can be passed through.Loan application data packet Include applicant's information, application amount and loan resource type etc..Wherein, applicant's information includes application mark and applicant's contact Information etc..Loan resource type refers to the type of loan product.Loan resource type can be that user is understanding different loan productions After the attribute informations such as borrowing rate, the life of loan, the mode of repayment of product, a kind of type of selected loan product.In order to coming It is distinguished from the loan application data of different geographic regions difference loan channel, first server is in the loan application received Source server mark is added in data.Source server mark includes loan channel mark and/or geographic area mark.

The loan application data of multiple users of the first server to being received in preset duration are packaged.Specifically, Preset duration can be freely arranged according to actual demand, such as 24 hours.First server detection receives in preset duration Loan application data total amount of data whether be more than threshold value.If so, first server is by the loan application number of multiple users According to being divided into more parts, every part of loan application data are packaged, obtain multiple loan application data packets.Second server is according to pre- If temporal frequency extracts loan application data packet respectively in multiple first servers.To the loan Shen of multiple users in preset duration Please data carry out concentration extraction, once extracted compared to the loan application data for often receiving a user, it is possible to reduce Frequency of interaction between two servers and first server, so as to reduce the occupancy to second server resource.

Step 204, determine that the guarantee side being adapted with loan application data identifies according to preset rules.

Second server parses the loan application data packet extracted in first server, obtains multigroup loan Shen Please data, every group of loan application data include that one or more loans identify.Loan mark includes loan resource type, loan canal At least one of road identifies or geographic area identifies.Second server prestored a variety of loan identifier combinations and each The corresponding one or more guarantee side's marks of identifier combination of providing a loan.Identifier combination of providing a loan includes that one or more loans identify.Load Guarantor side's mark can be the Institution Code etc. of guarantee side.For example, the corresponding guarantee side's mark of loan identifier combination " Beijing+APP " Can be guarantee side A, guarantee side B and guarantee side C.

When the corresponding guarantee side's mark of identifier combination of providing a loan includes multiple, second server is generated using guarantee side's mark The corresponding message queue of loan identifier combination.Message queue can set corresponding term of validity, such as 1 month.Message queue In multiple guarantee sides mark there is different guarantee ratios.Guarantee ratio of the same guarantee side's mark in different messages queue can With difference.For example, in the message queue A that above-mentioned guarantee side A, guarantee side B and guarantee side C are generated, three guarantee side's marks correspond to Guarantee ratio be followed successively by 10%, 70% and 20%.Message queue B includes guarantee side A, guarantee side C, guarantee side D and guarantee side E Four guarantee side's marks, corresponding guarantee ratio can be 30%, 10%, 45% and 15%.

Second server obtains loan in the loan application data that every group of credit verification passes through and identifies corresponding message queue, The message queue got is traversed, is identified according to preset rules screening and the guarantee side that loan application data are adapted.

Step 206, corresponding loan task is generated respectively using the multigroup loan application data extracted；Loan task has There is corresponding task identification.

Step 208, invocation target interface generates using task identification and corresponding source server mark and calls record；Profit Multiple loan tasks are respectively sent to corresponding guarantee side with target interface and identify corresponding destination server.

After determining the corresponding guarantee side's mark of every group of loan application data, second server utilizes multigroup loan application number According to generating corresponding loan task respectively.Loan task has corresponding task identification.Task identification can be batch number etc..The Multiple loan tasks are forwarded to corresponding guarantee side and identify corresponding target clothes by the preset target interface of two server calls respectively Business device.Target interface includes calling record function.When target interface is called, generate to calling the readjustment of record function to refer to It enables.Second server is executed according to callback instruction calls record function, and source server identifies in loan application data, obtains phase The task identification and allocating time answered are corresponded to using generations such as source server mark, task identification and the allocating times got Calling record.

Step 210, when receiving the guarantee result that destination server returns, guarantee result carries task identification；It is depositing Inquiry source server corresponding with task identification in guarantee result identifies in multiple calling record of storage, and guarantee result is sent To corresponding source server.

When receiving the guarantee result of destination server return, second server is according to the task mark for assuring that result carries Know, the corresponding source server mark of the task identification is inquired in multiple calling record of storage.Specifically, second server will Task identification is matched respectively with multiple calling of storage record in guarantee result.The calling of acquisition successful match, which records, includes Source server mark.Second server will will assure that result is sent to corresponding first clothes of source server mark got Business device.Guarantee result also carries applicant's contact details.First server will assure that result is returned according to applicant's contact details It is back to corresponding user terminal.Guarantee result is not returned directly to user terminal by second server, but is first back to phase The first server answered is carried out the specific distribution of guarantee result by first server, thus by data according to applicant's information etc. The share tasks of forwarding are to multiple first servers, it is possible to reduce the data forwarding frequency of second server, to reduce to the The occupancy of two server resources can also improve data forwarding efficiency.

In the present embodiment, user directly can send loan application data by user terminal to source server；According to pre- If rule can determine that the guarantee side being adapted with loan application data identifies；Each loan can be generated by invocation target interface The corresponding calling record of money task；The corresponding loan task of multigroup loan application data can be sent out using target interface It send to corresponding guarantee side and identifies corresponding destination server；When receiving the guarantee result of destination server return, Ke Yigen The task identification carried according to guarantee result inquires the corresponding source server mark of the task identification in multiple calling record of storage Know, and then guarantee result can be sent to corresponding source server.Due to identifying corresponding guarantee side by loan application data Mark, may be implemented the identification to target interface corresponding with service side；The corresponding source service of guarantee result is determined according to calling to record Device identifies, and the identification that called side is corresponded to target interface may be implemented, to which the accurate of data may be implemented using target interface Forwarding.Multiple destination servers only need to carry out data interaction with single server, compared to traditional destination server need with Multiple Platform Servers carry out data interaction respectively, can reduce the coupling between destination server and Platform Server, hand over Mutual logic is simple, the programming cost that destination server carries out data interaction can be reduced, to reduce data interaction cost.

In one embodiment, the step identified in the guarantee side determined according to preset rules and loan application data are adapted Before rapid, further include：Calculate the corresponding data volume of multigroup loan application data；Other servers in affiliated cluster are born Load is monitored；Preset load balancing file is obtained, determines that multiple servers distinguish energy in cluster according to load balancing file The total amount of data of the loan application data enough handled；Multigroup loan application data are divided into more parts according to total amount of data, by every part Loan application data are distributed to respective server in cluster.

Second server is the server cluster of multiple servers composition.The affiliated cluster of second server include it is multiple other Server, other multiple servers share same database.Load equalizer is deployed in second server, for in cluster The load of other multiple servers is monitored.Load equalizer has prestored load balancing file.Load balancing file is remembered Multiple data volume sections and corresponding load section are recorded.Wherein, load section includes that cpu resource utilization rate section and memory account for With rate section etc..For example, a load section can be cpu resource utilization rate 50%~60%, memory usage 40%~ 50%, the corresponding data volume section in the load section can be 2400~2600.

Second server is monitored the load of other multiple servers in cluster using load equalizer.Determine cluster Interior each corresponding load section of other servers.Second server is according to each corresponding load region of other servers in cluster Between, corresponding data volume section is inquired in load balancing file, so that it is determined that multiple other servers respectively can be in cluster The total amount of data of the loan application data of processing.

Second server is divided into more parts according to total amount of data, by multigroup loan application data.For example, it is assumed that extracting three Applicant identifies the corresponding loan application data of A, B and C, and the data volume that applicant's mark A corresponds to loan application data is 1800, it is 3600 that applicant, which identifies B and corresponds to the data volume of loan application data, and applicant identifies C and corresponds to loan application data Data volume is 700.Cluster includes other four server first, second, Bing Heding, wherein the load of first server makes for cpu resource With rate 52%, memory usage 47%.According to load balancing file determine the corresponding data volume section of first server be 2400~ 2600, second accept insurance the corresponding data volume section of server be 3300~3700, then can by applicant identify A and C correspond to respectively Loan application data be determined as first part, applicant identifies the corresponding loan application data of B and is individually determined as second part.Third He Two servers of fourth do not get loan application data, indicate that two server current time loads are higher, that is, are presently processing Loan application data data volume it is larger.It should be understood that the example above is only for the understanding scheme that helps reader, specific number The practical significance of word can not investigate.

In the present embodiment, the load of its server in affiliated cluster is monitored, can obtain in cluster and each service The data volume for the loan application data that device current time is being handled.When server current time is being handled in cluster When the data volume of loan application data is larger, corresponding load is higher, then the loan application data or distribution number for not reallocating new According to the less loan application data of amount；And the loan application data handled for current time are less, corresponding load is relatively low Server, then can distribute data volume more loan application data.More parts of loan application data are respectively allocated to cluster Other interior respective servers so that multiple servers synchronize processing to loan application data, can not only improve loan Shen Please efficiency, can also reduce the data processing load of single server, realize load balancing.

In one embodiment, loan application data further include applicant's mark；It is determined and Shen of providing a loan according to preset rules Please include the step of data adaptable guarantee side's mark：Preset credit blacklist is obtained, credit blacklist includes multiple Shens It asks someone to identify；Applicant in detection loan application data identifies whether to belong to credit blacklist；When being not belonging to credit blacklist When, credit verification is carried out to loan application data；According to preset a variety of loan identifier combinations and corresponding message team Row determine that the adaptable guarantee side of the loan application data passed through with credit verification identifies according to preset rules.

In order to reduce unnecessary data processing, second server is verified to extracting every group of loan application data, Only the step of verification is by just carrying out subsequent guarantee side's mark screening.Specifically, second server is to loan application number According to progress multi-layer verification.Second server first identifies whether in preset credit black name applicant in loan application data It is verified in list.When applicant's mark is in preset credit blacklist in loan application data, second server is to corresponding User terminal returns to the prompt message of loan failure.When applicant identifies not in preset credit blacklist in loan application data When, second server further carries out credit verification to loan application data, if credit verification passes through, in the manner described above really Determine the adaptable guarantee side's mark of loan application data.

In the present embodiment, before the guarantee side that loan application data are adapted mark, loan application data are carried out more Level verifies, it is possible to reduce unnecessary data processing, so as to reduce the occupancy to server resource.

In one embodiment, loan application data further include application amount and loan resource type；To loan application number Include according to the step of carrying out credit verification：It is identified according to applicant and generates the corresponding reference request of multiple default reference platforms, adjusted Ask transmitted in parallel to corresponding default reference platform multiple references with multithreading；Multiple default reference platforms are received to return respectively The reference record returned, parses multiple references record, generates applicant and identifies corresponding comprehensive credit record；According to synthesis Credit record calculates applicant and identifies corresponding credit value；According to preset a variety of loan resource types and upper limit amount of providing a loan Correspondence determines the corresponding loan upper limit amount of resource type of providing a loan in loan application data；When credit value reaches threshold value, Shen Please amount when being no more than corresponding loan upper limit amount, loan application data check passes through.

Default reference platform includes Third-party payment platform, public security bureau's service platform, social security office service platform, Web bank Platform, insurance service platform or other nets borrow at least one of platform etc..Second server generates more according to applicant's mark The corresponding reference request of a default reference platform calls multithreading to ask transmitted in parallel to corresponding default multiple references Reference platform verifies efficiency to improve credit, and then improves loan application efficiency.It is flat that second server receives multiple default references The reference record that platform returns respectively.Reference record can be that social security common reserve fund pays record, bank statement etc..It is readily appreciated that, the Two servers can also obtain the corresponding more reference records of applicant's mark by modes such as web crawlers.It is multiple pre- when receiving If when the reference record that reference platform returns respectively, second server parses multiple references record, generates applicant's mark Know corresponding comprehensive credit record.Comprehensive credit record includes multinomial credit index, such as whether there are housing loans etc..

Second server has preset a variety of credit indexs and corresponding credit score.Server obtains comprehensive credit Each corresponding credit score of credit index in record, sums to the corresponding credit score of multinomial credit index, obtains Shen It asks someone to identify corresponding CREDIT SCORE, i.e. credit value.Whether second server comparison credit value reaches threshold value.Second server is also The correspondence of a variety of loan resource types and upper limit amount of providing a loan is preset.Second server is obtained and is borrowed according to correspondence Whether the corresponding loan upper limit amount of resource type of providing a loan in money request for data, detection application amount are more than the corresponding upper limit of loan Degree.When credit value reaches threshold value, and applies for that amount is no more than corresponding loan upper limit amount, loan application data check is indicated Pass through.

In the present embodiment, credit verification is carried out to loan application data, risk control can be carried out to loan application, and will Credit value and loan upper limit amount are used as risk control condition simultaneously, can reduce the operations risks that net borrows platform；It calls multi-thread Cheng Binghang identifies corresponding reference record in multiple reference platforms acquisition applicant, can improve credit verification efficiency, Jin Erti High loan application efficiency.

In one embodiment, loan application data further include loan mark and application amount；It is determined according to preset rules The step of adaptable guarantee side mark, includes with loan application data：It obtains loan and identifies corresponding message queue；Message team Row include multiple guarantee side's marks and corresponding Guarantee Status；Guarantee Status includes having assured and not assured；According to default traversal Direction traverses the message queue got, and first Guarantee Status of screening is the guarantee side's mark that do not assure；Calculate sieve The corresponding remaining guarantee amount of guarantee side's mark selected；Whether the remaining guarantee amount of comparison is greater than or equal to application amount；If It is to identify the guarantee side filtered out mark labeled as the guarantee side that loan application data are adapted, the guarantee side that will be filtered out The Guarantee Status of mark is changed to assure；Otherwise, it is the guarantee side's mark that do not assure to screen next declaration form state, returns to meter The step of corresponding residue of guarantee side's mark filtered out assures amount, until determining the adaptable guarantee of loan application data Side's mark.

Second server is provided a loan in loan application extracting data and is identified, and detects whether the loan mark for existing with extracting Corresponding guarantee side's mark.If there is no corresponding guarantee sides to identify, second server obtains guarantee side's mark of acquiescence, Guarantee side's mark of acquiescence is identified labeled as the guarantee side being adapted with loan application data.If there are a corresponding guarantees Side's mark, then second server, which identifies the corresponding guarantee side, is labeled as marking with the guarantee side that loan application data are adapted Know.If there are multiple corresponding guarantee sides to identify, second server detects whether that there are corresponding message queues.When not There are when corresponding message queue, second server obtains the corresponding multiple guarantee sides mark of loan mark in loan application data Know, message queue is generated using the multiple guarantee sides mark got.It is corresponding that message queue has recorded each guarantee side's mark Guarantee Status.Guarantee Status includes having assured and not assured.

Second server traverses the message queue got according to default traversal direction, screens first guarantee shape State is the guarantee side's mark that do not assure, the corresponding remaining guarantee amount of guarantee side's mark that calculating sifting goes out.Default traversal direction It can be positive traversal, can also be negative sense traversal.Second server compares whether residue guarantee amount is greater than or equal to Shen It please amount.If so, the guarantee that the guarantee side filtered out mark is directly adapted by second server labeled as loan application data Side's mark.Otherwise, second server in the manner described above again traverses message queue, detects whether exist and loan Shen It please adaptable other the guarantee sides mark of data.In other words, it is the load that do not assure that second server, which screens next declaration form state, Guarantor side identifies, and detects whether the remaining guarantee amount of guarantee side's mark filtered out is greater than or equal to application amount, is borrowed until determining The adaptable guarantee side mark of money request for data.

In another embodiment, before being traversed to message queue, whether second server comparison application amount More than preset value.Preset value refers to the highest application amount that net borrows that the single that platform allows is provided a loan.If so, second server root Loan application data are split according to application amount, obtain more one's share of expenses for a joint undertaking item request for data.Subitem request for data has no Apply for that amount, the corresponding application amount of different subitem request for data may be the same or different.Second server is according to above-mentioned Mode determines the adaptable guarantee side's mark of each subitem request for data, by the corresponding guarantee side of multiple subitem request for data Mark is labeled collectively as the adaptable guarantee side's mark of loan application data, to which multiple guarantee sides are the loan Shen of great number jointly It please make guarantee, improve loan application success rate, and then improve loan application efficiency indirectly.

In yet another embodiment, inquiry is corresponding with task identification in guarantee result in multiple calling of storage record Source server mark the step of before, further include：When it is refusal guarantee to assure result, again to message queue progress time It goes through, detects whether that there are other the guarantee sides being adapted with loan application data identifies；If being not present, according to application amount and Guarantee Status is the corresponding remaining guarantee amount of guarantee side's mark that do not assure in message queue, is torn open to loan application data Point, obtain the more parts of subitem request for data with different application amounts；Again message queue is traversed, screening and subitem Shen Please the adaptable guarantee side's mark of data, multiple subitem request for data are respectively sent to the corresponding target of corresponding guarantee side mark Server returns to the step of receiving the guarantee result that destination server returns.

After loan application data are sent to the accordingly corresponding destination server of guarantee side's mark by second server, if receiving When returning to the guarantee result of refusal guarantee to destination server, second server in the manner described above again carries out message queue Traversal detects whether that there are other the guarantee sides being adapted with loan application data identifies.If message queue traversal finishes still not It is identified in the presence of the guarantee side being adapted with loan application data, second server is assured according in application amount and message queue State is the corresponding remaining guarantee amount of guarantee side's mark that do not assure, is split to loan application data, obtains more parts of tools There is the subitem request for data of different application amounts；Again message queue is traversed, screening is adapted with subitem request for data Guarantee side's mark, multiple subitem request for data are respectively sent to the corresponding destination server of corresponding guarantee side mark, reception The guarantee result that destination server returns.The present embodiment is when because application amount height causes multiple guarantee sides to refuse to assure, and the Two servers are automatically adjusted application amount loan application data, compared to traditional in the guarantee for receiving refusal guarantee As a result only mechanical being returned to user terminal is assured as a result, the mode being adjusted to application amount by user, can improve after Loan application assures success rate, so as to improve loan application efficiency.

It is readily appreciated that, except being split to loan application data, improves loan application and assure success rate, and then improve loan Apply for that the mode of efficiency is also very much, will not enumerate herein.

In the present embodiment, user need to only be netted at one borrow platform typing loan application data can be based on multiple guarantee sides into Row loan, and assure that root is determined according to presetting message queue automatic screening, loan application efficiency can be improved.Dynamic realtime calculates Residue guarantee amount so that residue guarantee amount can more accurately react guarantee side and identify currently practical guarantee ability, Improve the determining accuracy of guarantee side's mark.When a Guarantee Status is that the remaining guarantee amount that the guarantee side not assured identifies is low When applying for amount, the screening that other guarantee sides identify is carried out automatically, is improved loan application and is assured success rate, and then can improve Loan application efficiency.

In one embodiment, multiple guarantee side's marks have different guarantee ratios in message queue；Obtain loan mark The step of knowing corresponding message queue include：It is identified according to loan, detects whether that there are corresponding message queues；When there is no When corresponding message queue, the corresponding multiple guarantee side's marks of loan mark are obtained；It is identified according to multiple guarantee sides of acquisition Guarantee ratio determines the guarantee sequence that multiple guarantee sides identify；Preset queue length is obtained, according to queue length and multiple loads The guarantee ratio that guarantor side identifies determines the guarantee number that multiple guarantee sides identify；According to guarantee sequence and guarantee number, using more A guarantee side's mark generates corresponding message queue.

The guarantee ratio that second server is identified according to multiple guarantee sides of acquisition, according to guarantee ratio from as low as greatly to more A guarantee side's mark is ranked up, by the guarantee sequence sequentially identified as multiple guarantee sides.For example, in the example above, The guarantee sequence that the corresponding multiple guarantee sides of loan identifier combination " Beijing+APP " identify can be guarantee side A, guarantee side C and load Guarantor side B.Second server obtains preset queue length.Default queue length refers in the message queue for it is expected to generate comprising load The total quantity that guarantor side identifies.Queue length guarantee ratio corresponding with each guarantee side's mark is multiplied by second server, will To the guarantee number that is identified as corresponding guarantee side of product.For example, in the example above, it is assumed that queue length 100 is then carried on a shoulder pole A corresponding guarantee numbers in guarantor side are 100*10%=10 times, and B corresponding guarantee numbers in guarantee side are 100*70%=70 times, load C corresponding guarantee numbers in guarantor side are 100*20%=20 times.

The guarantee sequence and assure number that second server is identified according to each guarantee side, are identified using multiple guarantee sides and are given birth to At corresponding message queue.For example, in the example above, cross arrangement is carried out to guarantee side A, guarantee side C and guarantee side B, it is raw At message queue can be A, C, B, A, CC, B, CB, B.Wherein, guarantee side A is going out Residue guarantee side B and guarantee side C, guarantee side C the residue guarantee side B after occurring 20 times after 10 times existing.It is readily appreciated that, the application is only A kind of generating mode in message queue illustratively is provided, other modes can also be used to generate message queue, such as to guarantee side A, guarantee side C and guarantee side B are ranked sequentially, the message queue of generation can also be A, A, AC, C, CB, BB, then subqueue A, B, C, C, C, C, B, C, C, C are for example recycled into 10 generations Message queue etc., it is without limitation.

In the present embodiment, guarantee side's mark is determined according to message queue so that guarantee side identified determines realization logic letter It is single, guarantee side's mark can be improved and determine efficiency, so as to improve loan application efficiency；It is pre- for different loan identifier combinations If corresponding guarantee side's mark, the generation of message queue is to be identified according to the corresponding guarantee side of default loan identifier combination, and disappear The generation for ceasing queue fully combines the corresponding guarantee ratio of multiple guarantee sides mark, can be to avoid making certain guarantee sides assure Inappropriate loan application improves the determining accuracy of guarantee side's mark.

In one embodiment, the step of calculating sifting goes out guarantee side mark corresponding remaining guarantee amount includes：It obtains Guarantee side is taken to identify corresponding total amount guaranteed degree and history guarantee record；Assure that record statistics guarantee side mark corresponds to according to history Guarantee amount；According to the multigroup loan application data extracted in source server, measuring and calculating guarantee side mark is corresponding on way Assure amount；It according to total amount guaranteed degree, has assured amount and has assured amount on way, calculated the corresponding remaining guarantee of guarantee side's mark Amount.

Different guarantee side's marks have different total amount guaranteed degree.Total amount guaranteed degree can be according to corresponding guarantee Fang Bao The legal warranty amount that supervising can apply is pre-configured in second server.Second server obtains guarantee side's mark and corresponds to History guarantee record.History guarantee record includes that guarantee side mark is marked as the guarantee being adapted with loan application data Number, label time and the corresponding guarantee result just identified.It is agree to guarantee one that second server, which obtains guarantee result, It is secondary or repeatedly assure corresponding application amount, it sums to the corresponding application amount of one or many guarantees, by summed result Corresponding amount has been assured as guarantee side's mark.

Adaptable guarantee side's mark is had determined that in the manner described above, but not yet receives the loan application number of guarantee result It provides a loan on way according to belonging to.Second server obtains the guarantee side and identifies the corresponding quantity in way loan.Second server prestores Multiple guarantee sides identify corresponding Board Lot in the average quantum of way loan and agree to guarantee probability.Second server Calculate guarantee side mark it is corresponding way loan quantity, average quantum and agreement assure probability product, using the product as Corresponding guarantee side's mark is corresponding to assure amount on way.Second server calculates total amount guaranteed degree and has assured the first poor of amount Value calculates the first difference and assures the second difference of amount on way, and the second difference is corresponding surplus as corresponding guarantee side's mark Remaining guarantee amount.

In the present embodiment, mark corresponding total amount guaranteed degree in guarantee side's has assured that amount and remaining guarantee amount at any time may be used It can change, when traversing some guarantee side mark in message queue, calculate the guarantee side in real time and identify corresponding residue Assure amount so that residue guarantee amount can more accurately react guarantee side and identify currently practical guarantee ability, improve The determining accuracy of guarantee side's mark.When in calculating guarantee side, the corresponding residue of mark assures amount, fully consider in way application Loan, and converted in way guarantee amount to applying for that loan is corresponding on way, improve the accuracy of residue guarantee amount.

In one embodiment, multiple loan tasks are being respectively sent to corresponding guarantee side's mark pair using target interface Before the step of destination server answered, further include：Receive the newly-increased request in guarantee side that configurating terminal is sent；According to guarantee Fang Xin Increase request, returns to the configuration page to configurating terminal, configurating terminal is made to obtain the configuration information in configuration page typing；Receive configuration The configuration information that terminal returns, communication link is established according to configuration information destination server corresponding with guarantee side's mark.

When needing newly-increased destination server, configurating terminal sends the newly-increased request of service side to second server.Second clothes Business device returns to the configuration page according to the newly-increased request of service side to configurating terminal.Related personnel can add the guarantee in the configuration page Side's mark and its interface name of corresponding interface, interface protocol, interface type, IP address (Internet Protocol Address, internet protocol address), port numbers, the configuration informations such as user name password, to realize second server and respective objects Data interaction between server.Same guarantee side's mark can set the configuration information of multiple interfaces.

In the present embodiment, the access of destination server can be realized by way of easy configuration, reduce destination service The access threshold of device can improve the convenience of access destination server.

In one embodiment, multiple loan tasks corresponding guarantee side's mark is respectively sent to using target interface to correspond to Destination server the step of include：Corresponding loan task is identified to identical guarantee side to be packaged, and obtains multiple tasks number According to packet；Multiple target interfaces are called, multiple tasks packet synchronisation, which is sent to corresponding guarantee side, using multiple target interfaces marks Know corresponding destination server；The forwarding daily record that transmission process generates is obtained, is detected whether according to forwarding daily record different in the presence of forwarding Often；The abnormal loan task of forwarding will occur and be added to buffer queue；When corresponding task data packet is sent, retransmit It provides a loan in buffer queue task.

Second server identifies corresponding loan task to identical guarantee side and is packaged, and obtains multiple tasks data packet, Multiple tasks data packet is respectively sent to corresponding guarantee side and identifies corresponding destination server.Specifically, second server pair Multiple tasks data packet is ranked up, and multiple tasks data packet is sent to respective objects server successively in sequence.Another In one embodiment, in order to improve data forwarding efficiency, second server calls multithreading to carry out simultaneously multiple tasks data packet Row forwarding.Specifically, second server calls multiple target interfaces, using multiple target interfaces by multiple tasks packet synchronisation It is sent to respective objects server.

In order to improve data forwarding success rate, in data forwarding process, second server is according to preset time frequency pair The forwarding daily record that repeating process generates is detected with the presence or absence of forwarding is abnormal.When there is forwarding exception, second server will The abnormal loan task of forwarding occurs and is added to buffer queue, when corresponding task data packet is sent, retransmits caching It provides a loan in queue task.In order to avoid same loan task frequently repeats forwarding wasting of resources caused by second server, the Two servers limit the number of each loan task duplication forwarding.Specifically, second server detection generation forwarding is different The normal corresponding hop count of loan task detects whether the hop count is more than preset value.If so, second server generates The corresponding forwarding early warning of the loan task, will forwarding early warning be sent to O＆M terminal, make O＆M terminal-pair accordingly provide a loan task into Row supplement forwarding, the forwarding success rate of loan on guarantee task.

In the present embodiment, calls multiple target interfaces to synchronize and multiple tasks data packet is forwarded, data can be improved Forward efficiency；It is forwarded abnormality detection in repeating process, the loan task being abnormal is retransmitted automatically, improves data Forward success rate.

It should be understood that although each step in the flow chart of Fig. 2 is shown successively according to the instruction of arrow, this A little steps are not that the inevitable sequence indicated according to arrow executes successively.Unless expressly state otherwise herein, these steps It executes there is no the limitation of stringent sequence, these steps can execute in other order.Moreover, at least part in Fig. 2 Step may include that either these sub-steps of multiple stages or stage are executed in synchronization to multiple sub-steps It completes, but can execute at different times, the execution sequence in these sub-steps or stage is also not necessarily to be carried out successively, But it can either the sub-step of other steps or at least part in stage execute in turn or alternately with other steps.

In one embodiment, as shown in figure 3, providing a kind of data interaction device, including：Data acquisition module 302, Guarantee side's determining module 304, data forwarding module 306 and guarantee result feedback module 308, wherein：

Data acquisition module 302, for extracting loan application data in multiple source servers；Loan application data include source Server identification.

Guarantee side's determining module 304, for determining that the guarantee side being adapted with loan application data is marked according to preset rules Know.

Data forwarding module 306 is appointed for being generated corresponding loan respectively using the multigroup loan application data extracted Business；Loan task has corresponding task identification；Invocation target interface utilizes task identification and the mark life of corresponding source server It is recorded at calling, multiple loan tasks, which are respectively sent to corresponding guarantee side, using target interface identifies corresponding destination service Device.

Result feedback module 308 is assured, for when receiving the guarantee result that destination server returns, guarantee result to carry Task identification；The inquiry source server mark corresponding with task identification in guarantee result in multiple calling record of storage Know, guarantee result is sent to corresponding source server.

In one embodiment, which further includes load balancing module 310, for calculating multigroup loan application data point Not corresponding data volume；The load of other servers in affiliated cluster is monitored；Obtain preset load balancing file, root Determine that multiple servers in cluster are able to the total amount of data of the loan application data of processing according to load balancing file；According to total Multigroup loan application data are divided into more parts by data volume, and every part of loan application data are distributed to respective server in cluster.

In one embodiment, loan application data further include loan mark and application amount；Guarantee side's determining module 304 Including queue spider module 3042 and amount matching module 3044；Queue spider module 3042 is corresponding for obtaining loan mark Message queue；Message queue includes multiple guarantee side's marks and corresponding Guarantee Status；Guarantee Status includes having assured and not carried on a shoulder pole It protects；The message queue got is traversed according to default traversal direction, first Guarantee Status of screening is the load that do not assure Guarantor side identifies；Amount matching module 3044 is for the corresponding remaining guarantee amount of guarantee side's mark that calculating sifting goes out；Comparison is surplus Whether remaining guarantee amount is greater than or equal to application amount；If so, the guarantee side filtered out mark is labeled as loan application data Adaptable guarantee side's mark, the Guarantee Status that the guarantee side filtered out identifies is changed to assure；Otherwise, it screens next Declaration form state is the guarantee side's mark that do not assure, returns to the step for the corresponding remaining guarantee amount of guarantee side's mark that calculating sifting goes out Suddenly, until determining the adaptable guarantee side's mark of loan application data.

In one embodiment, multiple guarantee side's marks have different guarantee ratios in message queue；Guarantee side determines Module 304 includes queue generation module 3046, for being identified according to loan, detects whether that there are corresponding message queues；When not There are when corresponding message queue, obtain the corresponding multiple guarantee side's marks of loan mark；It is marked according to multiple guarantee sides of acquisition The guarantee ratio of knowledge determines the guarantee sequence that multiple guarantee sides identify；Preset queue length is obtained, according to queue length and more The guarantee ratio that a guarantee side identifies determines the guarantee number that multiple guarantee sides identify；According to guarantee sequence and guarantee number, profit Corresponding message queue is generated with multiple guarantee sides mark.

In one embodiment, which further includes configuration AM access module 312, the guarantee for receiving configurating terminal transmission Fang Xinzeng is asked；According to the newly-increased request in guarantee side, the configuration page is returned to configurating terminal, configurating terminal is made to obtain in the configuration page The configuration information of typing；The configuration information that configurating terminal returns is received, according to configuration information target corresponding with guarantee side's mark Server establishes communication link.

In one embodiment, which further includes exception monitoring module 314, corresponding for being identified to identical guarantee side Loan task is packaged, and multiple tasks data packet is obtained；Multiple target interfaces are called, using multiple target interfaces by multiple Business packet synchronisation is sent to corresponding guarantee side and identifies corresponding destination server；The forwarding daily record that transmission process generates is obtained, Detect whether there is forwarding exception according to forwarding daily record；The abnormal loan task of forwarding will occur and be added to buffer queue；In phase When task data packet being answered to be sent, task of providing a loan in buffer queue is retransmitted.

Guarantee side's determining module 304 includes that guarantee splits module 3048 in one of the embodiments, for when guarantee knot Fruit be refusal guarantee when, message queue is traversed again, detect whether exist with loan application data be adapted other Guarantee side identifies；It is the guarantee side's mark pair that do not assure according to Guarantee Status in application amount and message queue if being not present The remaining guarantee amount answered, splits loan application data, obtains the more parts of subitem application numbers with different application amounts According to；Again message queue is traversed, screening is identified with the guarantee side that subitem request for data is adapted, by multiple subitem applications Data are respectively sent to corresponding guarantee side and identify corresponding destination server, return and receive the guarantee result that destination server returns The step of.

Specific about data interaction device limits the restriction that may refer to above for data interactive method, herein not It repeats again.Modules in above-mentioned data interaction device can be realized fully or partially through software, hardware and combinations thereof.On Stating each module can be embedded in or independently of in the processor in computer equipment, can also store in a software form in the form of hardware In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.

In one embodiment, a kind of computer equipment is provided, which can be server, internal junction Composition can be as shown in Figure 4.The computer equipment include the processor connected by system bus, memory, network interface and Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating The database of machine equipment calls record for storing.The network interface of the computer equipment is used to pass through network with external terminal Connection communication.To realize a kind of data interactive method when the computer program is executed by processor.

It will be understood by those skilled in the art that structure shown in Fig. 4, is only tied with the relevant part of application scheme The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment May include either combining certain components than more or fewer components as shown in the figure or being arranged with different components.

In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with Computer program, the processor realize following steps when executing computer program：Loan application number is extracted in multiple source servers According to；Loan application data include source server mark；The guarantee side being adapted with loan application data is determined according to preset rules Mark；Corresponding loan task is generated respectively using the multigroup loan application data extracted；Loan task has corresponding Business mark；Invocation target interface generates using task identification and corresponding source server mark and calls record, utilizes target interface Multiple loan tasks are respectively sent to corresponding guarantee side and identify corresponding destination server；It is returned when reception destination server When assuring result, guarantee result carries task identification；Inquiry and task in guarantee result in multiple calling record of storage Corresponding source server mark is identified, guarantee result is sent to corresponding source server.

In one embodiment, following steps are also realized when processor executes computer program：Calculate multigroup loan application The corresponding data volume of data；The load of other servers in affiliated cluster is monitored；Obtain preset load balancing File determines that multiple servers in cluster are able to the total data of the loan application data of processing according to load balancing file Amount；Multigroup loan application data are divided into more parts according to total amount of data, every part of loan application data are distributed to corresponding in cluster Server.

In one embodiment, loan application data further include loan mark and application amount；Processor executes computer Following steps are also realized when program：It obtains loan and identifies corresponding message queue；Message queue include multiple guarantee sides mark and Corresponding Guarantee Status；Guarantee Status includes having assured and not assured；According to default traversal direction to the message queue that gets It is traversed, first Guarantee Status of screening is the guarantee side's mark that do not assure；Guarantee side's mark that calculating sifting goes out is corresponding Residue guarantee amount；Whether the remaining guarantee amount of comparison is greater than or equal to application amount；If so, the guarantee side filtered out is identified Labeled as guarantee side's mark that loan application data are adapted, the Guarantee Status that the guarantee side filtered out identifies is changed to carry on a shoulder pole It protects；Otherwise, it is the guarantee side's mark that do not assure to screen next declaration form state, returns to guarantee side's mark that calculating sifting goes out and corresponds to Remaining guarantee amount the step of, until determining the adaptable guarantee side's mark of loan application data.

In one embodiment, multiple guarantee side's marks have different guarantee ratios in message queue；Processor executes Following steps are also realized when computer program：It is identified according to loan, detects whether that there are corresponding message queues；When there is no pair When the message queue answered, the corresponding multiple guarantee side's marks of loan mark are obtained；The load identified according to multiple guarantee sides of acquisition Guarantor's ratio determines the guarantee sequence that multiple guarantee sides identify；Preset queue length is obtained, according to queue length and multiple guarantees The guarantee ratio just identified determines the guarantee number that multiple guarantee sides identify；According to guarantee sequence and guarantee number, utilization is multiple Guarantee side's mark generates corresponding message queue.

In one embodiment, following steps are also realized when processor executes computer program：Configurating terminal is received to send The newly-increased request in guarantee side；According to the newly-increased request in guarantee side, the configuration page is returned to configurating terminal, make configurating terminal obtain with Set the configuration information of page typing；The configuration information that configurating terminal returns is received, it is corresponding with guarantee side's mark according to configuration information Destination server establish communication link.

In one embodiment, following steps are also realized when processor executes computer program：Identical guarantee side is identified Corresponding loan task is packaged, and multiple tasks data packet is obtained；Multiple target interfaces are called, it will using multiple target interfaces Multiple tasks packet synchronisation is sent to corresponding guarantee side and identifies corresponding destination server；Obtain the forwarding that transmission process generates Daily record detects whether there is forwarding exception according to forwarding daily record；The abnormal loan task of forwarding will occur and be added to buffer queue； When corresponding task data packet is sent, task of providing a loan in buffer queue is retransmitted.

In one embodiment, following steps are also realized when processor executes computer program：When guarantee result is refusal When guarantee, message queue is traversed again, detects whether that there are other the guarantee sides being adapted with loan application data marks Know；It is that the guarantee side not assured identifies corresponding residue according to Guarantee Status in application amount and message queue if being not present It assures amount, loan application data is split, obtain the more parts of subitem request for data with different application amounts；Again right Message queue is traversed, and screening is identified with the guarantee side that subitem request for data is adapted, and multiple subitem request for data are distinguished It is sent to corresponding guarantee side and identifies corresponding destination server, return to the step of receiving the guarantee result that destination server returns.

In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated Machine program realizes following steps when being executed by processor：Loan application data are extracted in multiple source servers；Loan application data It is identified including source server；Determine that the guarantee side being adapted with loan application data identifies according to preset rules；Using extracting Multigroup loan application data generate corresponding loan task respectively；Loan task has corresponding task identification；Invocation target Interface generates using task identification and corresponding source server mark and calls record, using target interface by multiple loan tasks It is respectively sent to corresponding guarantee side and identifies corresponding destination server；When receiving the guarantee result that destination server returns, load It protects result and carries task identification；The inquiry source corresponding with task identification in guarantee result in multiple calling record of storage Guarantee result is sent to corresponding source server by server identification.

In one embodiment, following steps are also realized when computer program is executed by processor：Calculate multigroup loan Shen It please the corresponding data volume of data；The load of other servers in affiliated cluster is monitored；It is equal to obtain preset load Weigh file, determines that multiple servers in cluster are able to the total data of the loan application data of processing according to load balancing file Amount；Multigroup loan application data are divided into more parts according to total amount of data, every part of loan application data are distributed to corresponding in cluster Server.

In one embodiment, loan application data further include loan mark and application amount；Computer program is handled Device also realizes following steps when executing：It obtains loan and identifies corresponding message queue；Message queue includes multiple guarantee side's marks And corresponding Guarantee Status；Guarantee Status includes having assured and not assured；According to default traversal direction to the message team that gets Row are traversed, and first Guarantee Status of screening is the guarantee side's mark that do not assure；Guarantee side's mark that calculating sifting goes out corresponds to Remaining guarantee amount；Whether the remaining guarantee amount of comparison is greater than or equal to application amount；If so, the guarantee side filtered out is marked Know the guarantee side's mark being adapted labeled as loan application data, the Guarantee Status that the guarantee side filtered out identifies is changed to Guarantee；Otherwise, it is the guarantee side's mark that do not assure to screen next declaration form state, returns to guarantee side's mark pair that calculating sifting goes out The step of remaining guarantee amount answered, until determining the adaptable guarantee side's mark of loan application data.

In one embodiment, multiple guarantee side's marks have different guarantee ratios in message queue；Computer program Following steps are also realized when being executed by processor：：It is identified according to loan, detects whether that there are corresponding message queues；When not depositing In corresponding message queue, the corresponding multiple guarantee side's marks of loan mark are obtained；It is identified according to multiple guarantee sides of acquisition Guarantee ratio, determine the guarantee sequence that multiple guarantee sides identify；Preset queue length is obtained, according to queue length and multiple The guarantee ratio that guarantee side identifies determines the guarantee number that multiple guarantee sides identify；According to guarantee sequence and guarantee number, utilize Multiple guarantee side's marks generate corresponding message queue.

In one embodiment, following steps are also realized when computer program is executed by processor：Receive configurating terminal hair The newly-increased request in guarantee side sent；According to the newly-increased request in guarantee side, the configuration page is returned to configurating terminal, configurating terminal is made to obtain Configure the configuration information of page typing；The configuration information that configurating terminal returns is received, according to configuration information and guarantee side's mark pair The destination server answered establishes communication link.

In one embodiment, following steps are also realized when computer program is executed by processor：Identical guarantee side is marked Know corresponding loan task to be packaged, obtains multiple tasks data packet；Multiple target interfaces are called, multiple target interfaces are utilized Multiple tasks packet synchronisation is sent to corresponding guarantee side and identifies corresponding destination server；Obtain turn that transmission process generates Daily record is sent out, detects whether there is forwarding exception according to forwarding daily record；The abnormal loan task of forwarding will occur and be added to caching team Row；When corresponding task data packet is sent, task of providing a loan in buffer queue is retransmitted.

In one embodiment, following steps are also realized when computer program is executed by processor：When guarantee result is to refuse When assuring absolutely, message queue is traversed again, detects whether there are other the guarantee sides being adapted with loan application data Mark；It is that the guarantee side not assured identifies corresponding remain according to Guarantee Status in application amount and message queue if being not present Remaining guarantee amount, splits loan application data, obtains the more parts of subitem request for data with different application amounts；Again Message queue is traversed, screening is identified with the guarantee side that subitem request for data is adapted, by multiple subitem request for data point It is not sent to corresponding guarantee side and identifies corresponding destination server, returns to the step for receiving the guarantee result that destination server returns Suddenly.

One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with Instruct relevant hardware to complete by computer program, computer program can be stored in a non-volatile computer readable It takes in storage medium, the computer program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, this Shen Any reference to memory, storage, database or other media used in each embodiment please provided, may each comprise Non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms, Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..

Each technical characteristic of above example can be combined arbitrarily, to keep description succinct, not to above-described embodiment In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance Shield is all considered to be the range of this specification record.

Above example only expresses the several embodiments of the application, the description thereof is more specific and detailed, but can not Therefore it is construed as limiting the scope of the patent.It should be pointed out that for those of ordinary skill in the art, Under the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection domain of the application. Therefore, the protection domain of the application patent should be determined by the appended claims.

Claims (10)

1. a kind of data interactive method, the method includes：

Loan application data are extracted in multiple source servers；The loan application data include source server mark；

Determine that the guarantee side being adapted with the loan application data identifies according to preset rules；

Corresponding loan task is generated respectively using the multigroup loan application data extracted；The loan task have pair The task identification answered；

Invocation target interface generates using the task identification and corresponding source server mark and calls record, utilizes the mesh Multiple loan tasks are respectively sent to corresponding guarantee side and identify corresponding destination server by tag splice mouth；

When receiving the guarantee result that the destination server returns, the guarantee result carries task identification；In storage Inquiry source server mark corresponding with task identification in the guarantee result in multiple calling records, by the guarantee result It is sent to corresponding source server.

2. according to the method described in claim 1, it is characterized in that, being determined and the loan application data according to preset rules Before the step of adaptable guarantee side identifies, further include：

Calculate the corresponding data volume of multigroup loan application data；

The load of other servers in affiliated cluster is monitored；

Preset load balancing file is obtained, determines that multiple servers are able to processing in cluster according to load balancing file The total amount of data of loan application data；

Multigroup loan application data are divided into more parts according to the total amount of data, every part of loan application data are distributed to cluster Respective server.

3. according to the method described in claim 1, it is characterized in that, the loan application data further include loan mark and application Amount；It is described to determine that the step of guarantee side being adapted with the loan application data identifies includes according to preset rules：

It obtains the loan and identifies corresponding message queue；The message queue includes multiple guarantee side's marks and corresponding guarantee State；The Guarantee Status includes having assured and not assured；

The message queue got is traversed according to default traversal direction, first Guarantee Status of screening is the load that do not assure Guarantor side identifies；

The corresponding remaining guarantee amount of guarantee side's mark that calculating sifting goes out；

Compare whether the remaining guarantee amount is greater than or equal to the application amount；

If so, the guarantee side filtered out mark is identified labeled as the guarantee side that the loan application data are adapted, will screen The Guarantee Status that the guarantee side gone out identifies is changed to assure；

Otherwise, it is the guarantee side's mark that do not assure to screen next declaration form state, returns to guarantee side's mark that the calculating sifting goes out The step of knowing corresponding remaining guarantee amount, until determining the adaptable guarantee side's mark of the loan application data.

4. according to the method described in claim 3, it is characterized in that, multiple guarantee side's marks have difference in the message queue Guarantee ratio；Obtaining the step of loan identifies corresponding message queue includes：

It is identified according to the loan, detects whether that there are corresponding message queues；

When there is no corresponding message queue, the corresponding multiple guarantee side's marks of the loan mark are obtained；

According to the guarantee ratio that multiple guarantee sides of acquisition identify, the guarantee sequence that multiple guarantee sides identify is determined；

Preset queue length is obtained, according to the guarantee ratio that the queue length and multiple guarantee sides identify, determines multiple loads The guarantee number that guarantor side identifies；

According to guarantee sequence and guarantee number, corresponding message queue is generated using multiple guarantee sides mark.

5. according to the method described in Claims 1 to 4 any one, which is characterized in that utilize the target interface will described Multiple loan tasks were respectively sent to before the step of corresponding guarantee side identifies corresponding destination server, further included：

Receive the newly-increased request in guarantee side that configurating terminal is sent；

According to the newly-increased request in the guarantee side, the configuration page is returned to the configurating terminal, the configurating terminal is made to obtain in institute State the configuration information of configuration page typing；

The configuration information that the configurating terminal returns is received, according to configuration information target corresponding with guarantee side mark Server establishes communication link.

6. according to the method described in Claims 1 to 4 any one, which is characterized in that utilize the target interface by multiple loans Money task is respectively sent to the step of corresponding guarantee side mark corresponding destination server and includes：

Corresponding loan task is identified to identical guarantee side to be packaged, and obtains multiple tasks data packet；

Multiple target interfaces are called, multiple tasks packet synchronisation, which is sent to corresponding guarantee side, using multiple target interfaces identifies Corresponding destination server；

The forwarding daily record that transmission process generates is obtained, detects whether there is forwarding exception according to the forwarding daily record；

The abnormal loan task of forwarding will occur and be added to buffer queue；

When corresponding task data packet is sent, task of providing a loan in the buffer queue is retransmitted.

7. according to the method described in claim 3, it is characterized in that, inquiry and the guarantee in multiple calling record of storage As a result before the step of corresponding source server of middle task identification identifies, further include：

When the guarantee result be refusal guarantee when, the message queue is traversed again, detect whether exist with it is described Adaptable other the guarantee sides mark of loan application data；

It is the guarantee side's mark pair that do not assure according to Guarantee Status in the application amount and the message queue if being not present The remaining guarantee amount answered, splits the loan application data, obtains the more parts of subitem Shens with different application amounts It please data；

Again the message queue is traversed, screening is identified with the guarantee side that the subitem request for data is adapted, will be more A subitem request for data is respectively sent to corresponding guarantee side and identifies corresponding destination server, returns and receives the target clothes The step of guarantee result that business device returns.

8. a kind of data interaction device, which is characterized in that described device includes：

Data acquisition module, for extracting loan application data in multiple source servers；The loan application data include source clothes Business device mark；

Guarantee side's determining module, for determining that the guarantee side being adapted with the loan application data identifies according to preset rules；

Data forwarding module, for generating corresponding loan task respectively using the multigroup loan application data extracted； The loan task has corresponding task identification；Invocation target interface utilizes the task identification and corresponding source server Mark, which generates, calls record, and multiple loan tasks are respectively sent to corresponding guarantee side's mark pair using the target interface The destination server answered；

Result feedback module is assured, for when receiving the guarantee result that the destination server returns, the guarantee result to be taken With task identification；Inquiry source corresponding with task identification in the guarantee result services in multiple calling record of storage Device identifies, and the guarantee result is sent to corresponding source server.

9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists In when the processor executes the computer program the step of any one of realization claim 1 to 7 the method.

10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program The step of method described in any one of claim 1 to 7 is realized when being executed by processor.